For the low cost of umbrella insurance, and how much it covers, I think it’s well worthwhile.

At the same time, I am worried that “free” utilities will mean the heat is kept at a tropical level or they’ll make a ice rink in the back.

I only wish my CU from Texas could lend in North Carolina.I'm now leaning towards Champion, a small Credit Union in town that was founded in the 30's and has a good range of business lending options, and low fees.I've still got calls out to a few others.

having a difficult time using both the brrrr and fix and flip calculator because i intend to live in the property for 1 year so not a rehab. these calculators seem to assume i won't live in the property. based on the factors below, i'm hoping someone can poke holes.arv=270krepair=my father who is a general contractor is overestimating at 35k (it's definitely livable, but there's opportunity to upgrade/update such as the roof, floors, cabinets). i'd live there for a year and plan to either flip or rent after the year.annual expected property tax=$7.5klisted price is around $235k ($/sq ft is below comp average)comps within the past year for similar properties around $260-$280kpreferred profit (not too sure about this) but $20k is a target...i guess.estimated rental based on recent is $1.8-1.85k/monthi was thinking about offering $210k max, but the calculators recommended an estimated purchase offer between $160-$175k, which seems extremely low given the livable condition.what am i calculating wrong here? 

It has good schools, low crime, and it's near the hospital.

@Dax Gurr For the most part, I would recommend staying out of the inner city, certainly the low end sections of it.

As new apartments open across the city in record numbers, vacancy rates have grown, rents have stopped rising and landlords are offering an increasing number of freebies to get tenants in the door.For years, the Seattle rental market was so heated that renters would constantly monitor online listings and quickly show up to available apartments with checkbooks and references in hand.

If you are thinking about energy saving upgrades like new windows or upgrades to heating or cooling you can save a lot of money by working with their programs.- Think about the wiring.

You can deny them based on low credit you would be required to provide them with the information you saw that the decision was based off.

Hi @Bryan VincentI used granite called Fantasy BrownFor Flooring I used Laminate from Lowe's